What type of property does a homeowners insurance policy cover?

Homeowners insurance policies are designed to provide comprehensive coverage for a variety of assets owned by the policyholder. Specifically, option C is correct because a homeowners insurance policy typically covers personal property, the dwelling itself, additional living expenses, and liability.

1. Personal Property: This includes the contents of the home such as furniture, clothing, electronics, and other personal belongings. If these items are damaged or stolen, the policy can help cover replacement or repair costs.

2. Dwelling: The policy provides protection for the structure of the home, including the roof, walls, and attached structures like garages or decks. This coverage kicks in when physical damage occurs due to risks like fire, wind, or vandalism.

3. Additional Living Expenses: If the home becomes uninhabitable due to a covered loss, the policy covers necessary increases in living expenses while repairs are made. This can include costs for temporary housing, meals, and other related expenses.

4. Liability Coverage: Homeowners policies also include liability protection, which safeguards against legal claims or lawsuits resulting from injuries or damages that occur on the property or as a result of the policyholder’s actions.

The other options do not encompass the full range of protections